I pulled this from my boat policy with Progressive (Sorry for the lost formatting). Plenty of exclusions to create room for denying a claim. Not all are black and white either. Really probably comes down to the company. Do they intend to pay reasonable claims or are they hell bent to deny for any reason even if it is far removed from the real cause?
Perhaps in the Hillbilly case they will cite business use (making you TubeVideo if his channel is monetized?).
EXCLUSIONS—READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF ANEXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THISPART I.Coverage under this Part I, including our duty to defend, will not apply to any insured person for:1. bodily injury or property damage arising out of the ownership, maintenance,or use of any watercraft or trailer whilebeingused:a. to carry personsor property for compensationor a fee;b. in any illegal transportationor trade;orc. in any businessor occupation.Subparts a.andc.of thisexclusiondo notapply to useof a watercraft or trailerfor tournamentfishing;2. any liability assumedunderany contract or agreementby you or a relative;3. bodily injury to anemployeeofthatinsured person arisingoutofor withinthecourse of employment.This exclusiondoes not apply to domesticemployees ifbenefits are neitherpaid nor required to be providedunder workers’ compensation,disability benefits, or similar laws;4. bodily injury or property damage resultingfrom, or sustained during practiceor preparationfor:a. any pre-arrangedor organized
![Frown :( :(](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
i) racing;(ii) stunting;(iii) speedor demolitioncontest or activity;orb. any driving, riding, navigation, piloting, or boating activity conducted on apermanentor temporary racecourse.This exclusion does not apply to bodily injury or property damage resultingfrom the use of a sailboat in any pre-arranged or organized racing or speedcontest, or in practiceor preparationfor any suchcontest;5. bodily injury or property damage due to a nuclear reactionor radiation;6. bodily injury or property damage for whichinsurance:a. is afforded undera nuclearenergy liability insurancecontract;orb. wouldbe affordedundera nuclearenergy liability insurancecontractbut forits terminationuponexhaustionof its limitof liability;67. bodily injury or property damage causedby anintentionalactofthatinsuredperson, or at the direction of that insured person, even if the actual injury ordamageis different thanthat which was intendedor expected;8. property damage to any property owned by, rented to, being transported by,or in the charge of that insured person. The term “property” includes, withoutlimitation, any covered watercraft and any watercraft other than a coveredwatercraft. This exclusion does not apply to a launching ramp, dock, mooringdeviceor boat storage houserented by you;9. bodily injury to you or a relative;10. bodily injury or property damage arising out of the ownership, maintenance,or use of any watercraft or trailer owned by you or furnished or available foryourregularuse,otherthanacovered watercraftor trailerfor whichthis coverage has beenpurchased;11. bodily injury or property damage arising out of the ownership, maintenance,or use of any watercraft or trailerowned by a relative or furnishedor availablefor the regular use of a relative, other than a covered watercraft or trailer forwhichthis coveragehasbeenpurchased.Thisexclusiondoesnotapply to yourmaintenanceor use of such watercraft or trailer;12. bodily injury or property damage arising out of your or a relative’s use of awatercraft or trailer, other than a covered watercraft or trailer for which thiscoverage has been purchased, withoutthe permission of the owner of the watercraft or traileror the person in lawfulpossessionof the watercraft or trailer;13. bodily injury or property damage arising out of the use of a covered watercraft or trailer while leased or rented to others or given in exchange for anycompensation,includingwhilebeingusedinconnectionwitha watercraftsharing program. This exclusion does not apply to the operation of a covered watercraft or trailerby you or a relative;14. punitive or exemplary damages;15. bodily injury or property damage causedby, or reasonably expected to resultfrom, a criminal act or omissionof that insured person. This exclusionappliesregardless of whether that insured person is actually charged with, or convicted of, a crime. For purposesof this exclusion, criminalacts or omissionsdo notincludeviolationsof laws or regulationsgoverning the operationof watercraft;16. bodily injury or property damage arisingoutofpara-sailing, kite skiing, oranyotheractivity involvinga devicedesignedfor flight;17. bodily injury or property damage that occurs becausea covered watercraftis not in seaworthy condition;18. bodily injury or property damage arisingout ofan accidentinvolvinga watercraft or trailer whilebeingtowed by or carried by a land motor vehicle;19. payment for bodily injury, or any other payment or obligation, to any personeligible to receive any benefits required to be provided by you under the JonesAct or Federal Longshoremen’s and HarborWorkers’ CompensationAct;or20. bodily injury or property damage arisingout of an accident whileusinga watercraft as a primary or permanent residence.